I would set up a meeting and explain your situation. 

You may want to consider that the interest rates are continuing to creep up, and in 6 months they may be higher than they are now as a result you may want to hold out a bit longer on the refi. make sure that the deal at whatever rate you choose meets your financial objectives just incase you cant refi for whatever reason at the time that you initially projected.   

Hi @Danielle McKahn, and others who contributed: I am visiting Holyoke on Wednesday to tour some properties and meetings my partner has set up for us.

We hope to meet many more partners and mentors through BP and we are excited to continue our quest.

That being said, they will automatically use 75% of the rental income if you have a renter in place with a lease (most lenders will want a year long lease).

We hope to meet many more partners and mentors through BP and we are excited to continue our quest.

There are several meet ups in the Columbus area and myself along with a few other investors are starting one here in Lancaster. 

My name is Shannon, and I'm super excited to meet some like minded people!

LOL  now they were keen on real estate no doubt and my talk was on everything BUT rentals as Rentals are talked about ad nauseum so I make a presentation on alternative investing in the real estate space which given my career I have done a lot of .. so it was fun.. and not a pitch fest I got no business from it I just enjoyed doing it meeting those sharp young folks and thinking man is this a great company to work for.. 

I am now learning about multi-family investment properties in Baltimore through podcast and REIA meetings.